While you hope your big day goes off without a hitch, it’s wise to be aware of the most common pitfalls that lead couples to claim on their wedding insurance. By understanding the risks, you can take steps to mitigate them. Here, we reveal the top five reasons for wedding insurance claims and show how a policy from iDoinsurance.co.uk is your ultimate safety net.

1. Supplier Failure: The Vanishing Vendor
By far one of the most frequent claims is for supplier failure. This happens when a vendor you’ve booked—like the caterer, florist, or venue—goes out of business before your wedding, taking your deposit with them. To avoid this, always book reputable suppliers with a solid history, check recent reviews, and ensure you have a formal contract. Our policies provide robust cover for this risk, reimbursing you for lost deposits.

2. Cancellation Due to Illness or Bereavement
A sudden illness, accident, or bereavement affecting the couple or a close family member is another leading cause for claims. These heartbreaking situations can make it impossible to proceed with the wedding as planned. While you can’t prevent this, having insurance means the financial aspect is one less thing to worry about. Your policy can cover the costs of cancelling or postponing the event.

3. Damage to Wedding Attire
That dream dress and sharp tuxedo are not only precious but also expensive. Accidental damage, loss, or theft of wedding attire is a more common claim than you might think. Whether it’s a red wine spill before the photos or an airline losing the suit carrier, our policies cover the cost of repairing or replacing these essential garments.

4. Loss or Damage to Wedding Rings
The wedding rings are hugely symbolic and valuable. Claims for lost or stolen rings before the ceremony are surprisingly frequent—they can easily be misplaced during the chaos of the final preparations. To stay safe, keep the rings in a secure, designated spot. Our insurance protects their value, so a replacement can be sorted without financial stress if the worst happens.

5. Venue Complications
From a double-booking to a fire or flood that renders the venue unusable, problems with your chosen location can be catastrophic. Vetting your venue and checking their credentials is key. However, some events are beyond anyone’s control. iDoinsurance.co.uk provides cancellation cover that protects you from these venue-related disasters, covering your costs and allowing you to rebook elsewhere.